 unlike a CD that doesn't have that provision. Then there's index. That's a fixed index annuity. Those are designed typically for growth. You can't lose your principal, and you get some market upside. And then there's the kind that have traditionally the highest fees in the industry, and those are called variable because they can go up and down. If they're going to go up and down, you might as well put it in the market, in my opinion. But at the end of the day,